HomeNew JerseyMonmouth CountySpring Lake
Spring Lake, New Jersey: commercial real estate data.
Spring Lake is a Census borough of 2,779 people across 1.33 square miles of land, in Monmouth County. Median household income is $215,625, 91.8 percent of occupied homes are owned, and the SBA record carries 7 7(a) approvals to borrowers here worth $3.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Spring Lake
What Spring Lake is
- Census place typeborough
- Land area1.33 sq mi
- Water area0.41 sq mi
- Population per square mile of land2,086
- County holding the largest share of its areaMonmouth County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spring Lake
How many people live in Spring Lake
- Population2,779
- Median age59.8
- Population under 18300 plus or minus 107
- Share under 1810.8 percent plus or minus 3.8
- Population 65 and over1,029
- Share 65 and over37.0 percent
- Households1,259
- Family households945
- Share of households that are families75.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spring Lake
Income and work in Spring Lake
- Median household income$215,625 plus or minus $84,140
- Per capita income$130,192
- Civilian labor force1,222
- Employed1,193
- Unemployed29 plus or minus 28
- Unemployment rate2.4 percent plus or minus 2.3
- Adults 25 and over2,314
- Adults 25 and over with a high school diploma or higher98.3 percent
- Adults 25 and over with a bachelor degree or higher84.1 percent
- Adults 25 and over with a graduate degree44.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spring Lake
Housing in Spring Lake
- Housing units2,011
- Occupied units1,259
- Vacant units752
- Vacancy rate37.4 percent
- Owner occupied1,156
- Renter occupied103 plus or minus 59
- Ownership rate91.8 percent
- Median owner-occupied home value$2,000,001
- Median gross rent, monthly$2,175 plus or minus $617
- Annual rent as a share of median income12.1 percent plus or minus 5.8
- Single family units1,863
- Share single family92.6 percent
- Units in buildings of two or more148 plus or minus 70
- Share in buildings of two or more7.4 percent plus or minus 3.4
- Mobile homes0
- Median year structure built1966
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spring Lake
How Spring Lake gets to work
- Workers 16 and over who commute845 plus or minus 192
- Commuting under 15 minutes326 plus or minus 130
- Share commuting under 15 minutes38.6 percent plus or minus 12.6
- Commuting 30 minutes or more375 plus or minus 119
- Share commuting 30 minutes or more44.4 percent plus or minus 9.8
- Drove alone61.4 percent
- Carpooled0.0 percent
- Public transport5.4 percent plus or minus 3.9
- Walked3.2 percent plus or minus 4.3
- Worked from home29.2 percent plus or minus 8.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spring Lake
SBA loans in Spring Lake (7(a))
- Approvals7
- Gross approval$3,516,400
- Average approval$502,343
- Median approval$50,000
- Largest approval$2,000,000
- Jobs supported65
- Jobs per approval9.3
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more14.3 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Spring Lake, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Spring Lake
SBA loans in Spring Lake (504)
- Approvals1
- Gross approval$199,000
- Average approval$199,000
- Median approval$199,000
- Largest approval$199,000
- Jobs supported1
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Spring Lake, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Spring Lake
Flood risk in Spring Lake
- NFIP communityBorough of Spring Lake
- NFIP community number340329
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date06/15/22
The Borough of Spring Lake participates in the National Flood Insurance Program as community 340329 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Monmouth County, not Spring Lake
Monmouth County context, not Spring Lake figures
- Establishments in Monmouth County19,883
- Covered employment, Monmouth County274,000
- Average annual pay, Monmouth County$70,560
- Housing units permitted, Monmouth County2,782
Every figure in this section is published for Monmouth County as a whole and is not a measurement of Spring Lake.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Spring Lake questions, answered from the record.
How many people live in Spring Lake, New Jersey?
2,779, in 1,259 households. Spring Lake borough covers 1.33 square miles of land, which is 2,086 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Spring Lake in?
Monmouth County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Spring Lake?
$215,625. The median owner-occupied home is valued at $2,000,001. Median gross rent is $2,175 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Spring Lake businesses?
7 7(a) approvals totaling $3.5 m since FY2020, across 4 lenders, median approval $50,000, plus 1 504 approvals worth $199,000 since FY2010. These count approvals to borrowers whose address is in Spring Lake, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Spring Lake borrowers get paid back?
No rate is published for Spring Lake. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Spring Lake in the National Flood Insurance Program?
Yes. Spring Lake appears in the FEMA Community Status Book as Spring Lake, borough of, community 340329, carrying Community Rating System class 7, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Spring Lake figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Monmouth County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Spring Lake.
Is zoning published for Spring Lake?
No. Nothing on this page presents parcel level zoning.